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Have you been affected by the COVID-19 Pandemic? Know your options. SEE
FORECLOSURE AVOIDANCE OPTIONS


ATTENTION CALIFORNIA BORROWERS

Need mortgage payment assistance?  The California State legislature recently
passed legislation that may assist you maintain ownership of your home if you
are having trouble making your mortgage payment.  Apply online at 
WWW.CAMORTGAGERELIEF.ORG or talk to a housing counselor at 800-569-4287.

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 * Borrowers
   * Residential Loans
   * Commercial / Industrial / Mixed-Use Loans
   * Investment Property Loans
   * How to Make a Payment
   * Loan Application
   * Borrowers View Central
 * Investors
   * Investors Overview
   * What is Trust Deed Investing?
   * How to Safely Invest in Trust Deeds
   * DRE Website
   * Lenders View Central
 * Brokers
   * Brokers Overview
   * Private Money Services
 * Company
   * Company Overview
   * Meet our Team
   * Blog
   * Resources
   * Ordering Payoff Demands and VOMs
 * Contact


PRIVATE MONEY LENDING


PRIVATE LENDING SERVICES & REAL ESTATE INVESTMENTS SINCE 1975.

Secure real estate investments, creative private funding solutions, helping our
clients for over 45 years.

Investor Information
Borrower Information



OUR MISSION

WE’RE A DIRECT LENDER THAT PROVIDES CREATIVE LOAN SOLUTIONS FOR BORROWERS,
BACKED BY RESPONSIBLE REAL ESTATE INVESTORS.

Val-Chris is a hard money lending company specializing in both residential and
commercial loans, providing 1st, 2nd, and 3rd trust deeds. Our dedicated staff
has over 100 years of real estate experience which we use to facilitate creative
loan terms to fit our customer’s needs.

In our Orange County office, located in Irvine, California, we originate private
investor hard money loans and have a loan servicing department to meet the
requirements of both borrowers and investors. As a hard money lender, we pride
ourselves on fast turn-around and giving quality service to all of our
customers. Learn more about our private lending services below and how they can
help you.

More About Us


PRIVATE LENDING SERVICES

Whatever your financial requirements may be, we have unique funding solutions
that fit with our private money lending services.

View All Loan PRODUCTS

INVESTMENT PROPERTY LOANS

Whether you plan on owning your property for several years before selling it at
a profit, plan on renting out the home to make a profit each month, or have some
other plan for the property, our investment property loans are securable at
competitive rates. READ MORE

COMMERCIAL LOANS

The right commercial loan for your needs should have the most favorable terms
and allow you enough capital to achieve business goals. Our experienced
professionals can secure a competitive Commercial or Industrial Loan with our
private money loan servicing. READ MORE

RESIDENTIAL LOANS

As a hard money lending company backed by private money investors, the terms of
our residential loans are much more than just “conventional”. The specialized
service we provide can help our borrowers and brokers secure loans quickly,
where others have failed. READ MORE


BROKER SERVICES

BUILT FOR BROKERS.

CLOSING LOANS FASTER THAN ANY CONVENTIONAL PROVIDER, OUR SERVICE ALWAYS COMES
FIRST.

At Val-Chris we value our broker relationships highly, and do everything
possible to facilitate quick, straightforward transactions.

Broker Services



INVESTOR INFORMATION

HOW IT WORKS.

TRUST DEED INVESTMENTS ARE GREAT OPTIONS FOR INVESTORS SEEKING POSITIVE
RECURRING CASH FLOW AND REAL ESTATE BACKED SECURITY.

New to trust deed investing? Read about our unique approach, case studies, and
why our investors stay with us for years and years. Read More


ATTENTION CALIFORNIA BORROWERS

Need mortgage payment assistance?  The California State legislature recently
passed legislation that may assist you maintain ownership of your home if you
are having trouble making your mortgage payment.  Apply online at
www.CAMortgageRelief.org or talk to a housing counselor at 800-569-4287.


LOCATIONS

 * Los Angeles
 * San Bernardino
 * San Francisco
 * San Diego
 * Sacramento
 * San Jose
 * Fresno
 * Oakland
 * Long Beach
 * Houston
 * Austin
 * Dallas
 * San Antonio


COMPANY

 * About Us
 * Our Team
 * Careers
 * Contact


RESOURCES

 * Blog
 * FAQs
 * Terms of Use
 * Forms
 * Approved Appraisers
 * Privacy Policy


MAIN OFFICE

Val-Chris Investments, Inc.
2601 Main Street, Suite 400
Irvine, CA 92614

CA DEPARTMENT OF REAL ESTATE BROKER DRE #01002882
NMLS ID #243299
CALIFORNIA FINANCE LENDERS, DFPI #603 5063

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DAVID DUNER

Controller
040-252-8020 ext. 3100 | david@val-chris.com

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JACKIE NEIL TORRES

Doc Drawer
949 252-8020 ext. 5500 | jackie@val-chris.com

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TOM VALADEZ

Loan Servicing Assistant
949-252-8020 ext. 3200 | tom@val-chris.com

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MARIA ROMO RANGEL

Loan Servicing Assistant
949-252-8020 ext. 3000 | maria@val-chris.com

Maria is a Southern California native and currently resides in Irvine, CA with
her husband.

Maria joined the Val-Chris Investments servicing team November of 2022. She has
worked in loan servicing for the last six years. Prior to joining the VCI team
she acted as a Senior Specialist and Servicing Instructor for Wells Fargo Home
Mortgage.

Maria is a follower of Jesus Christ and enjoys family gatherings on the
weekends.

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ERICK FEITSHANS

Loan Servicing Manager
DRE #01882452
949-252-8020 ext. 1900 | erick@val-chris.com

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LINDA LAJOIE

Loan Servicing Assistant
949-252-8020 ext. 3500 | linda@al-chris.com

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CECILIA MA

Account Executive
DRE #02006690
949-264-3487 | cecilia@val-chris.com

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KATHY WILLIAMS

Compliance Manager
DRE #01229562 | NMLS #2401760
949-252-8020 x 1020 | kathy@val-chris.com

Kathy is native to Orange County and currently resides in Huntington Beach, CA.
She is a licensed Salesperson with the CA Dept of Real Estate and has her MLO
Endorsement with the NMLS. She has been in the mortgage industry for over 30
years. Her goal is to help grow Val-Chris Investments and be an integral part of
the team.

Outside of work, Kathy enjoys the beach, bike riding and hiking. She also enjoys
cruising the seven seas with her husband, and spending as much time as possible
with her grandson, Brayden.

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PATTY HICKOK

Funding Assistant
949-252-8020 ext. 4200 | patty@val-chris.com

Patty is a California Native raised in the South Bay. She resides in Seal Beach
for the last 25 years.
Patty is a graduate from Cal State University Long Beach, with a Liberal
Arts/Psychology major. She is a mother of two sons: Evan, a graduate of the
University of Alabama and Bryton, a student and lacrosse player at The
University of Tampa.  She enjoys watching sports (football and ice hockey are
her favorites) and volunteering at local community events.
She has over 25 years in the mortgage industry with many different roles:
processor, underwriter, loan officer, production manager.

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ANNETTE BERK

Loan Processor
949-252-8020 ext. 2200 | annette@val-chris.com

Annette is a California native and was raised in Southern California. She is a
proud mom of four grown children; Zoe, Harli, Zen, and Jett. Annette enjoys
spending time at the beach, reading, and writing. She also volunteers her time
in helping the homeless community.

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GLADYS ALBEZA

Administrative Assistant
949-252-8020 x 5000 | gladys@val-chris.com

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MARK ROCHA

Loan Processor
949-252-8020 ext. 1200 | mark@val-chris.com

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KARA SHARPE

Loan Processor
949-252-8020 ext. 1500 | kara@val-chris.com

Kara is an Orange County native who currently resides in Tustin. She attended
Cal State Fullerton studying Geography before working for Val-Chris
Investments.  Most of her free time is spent at the beach whether it be yoga,
roller skating, or bonfires with friends and family.

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